700 Church St, Cambridge, MD, 21613
About This Home
Welcome to 700 Church St., a charming 4-bedroom, 2.5-bath home nestled in the heart of Cambridge’s historic district. This beautifully maintained property blends classic character with thoughtful modern updates, offering the perfect balance of charm and functionality. Step inside to discover bright, inviting spaces filled with natural light, enhanced by elegant transom windows and timeless architectural details. The spacious layout includes a recently finished third-floor bedroom—ideal for guests, a home office, or a private retreat. Enjoy outdoor living with a newly added rear deck and a convenient storage shed. The yard is a gardener’s delight, featuring a thriving vegetable garden along with established mulberry, blueberry, and fig trees, plus fragrant rosemary and lavender bushes. Located just moments from downtown Cambridge and the lighthouse, this home offers easy access to local shops, dining, waterfront views, and community events—all within walking distance. A rare opportunity to own a piece of history with modern comforts in one of Cambridge’s most desirable neighborhoods.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Crawl Space
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Oven/Range - Electric,Refrigerator,Microwave,Dishwasher,Range Hood,Dryer,Washer,Electric Water Heater
- Laundry features: Main Level,Laundry Room
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Partial
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Attic,Ceiling Fan(s),Floor Plan - Traditional,Formal/Separate Dining Room,Primary Bath(s),Recessed Lighting,Bathroom - Tub Shower,Plaster Walls
- Flooring: Wood
- Finished area below ground: 0
- Finished area above ground: 2,920
Heating & Cooling
- Heating features: Heat Pump,Zoned,Radiator,Electric,Oil
- Cooling features: Central Air,Heat Pump,Ceiling Fan(s),Electric
Interior Area
- Total structure area: 2,920
- Total interior livable area: 2,920 sqft
Property
Accessibility
- Accessibility features: Accessible Entrance
Details
- Parcel number: 1007106556
- Zoning: R-3
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Porch
- Exterior features: Sidewalks,Street Lights
- Fencing: Full
Lot
- Lot size: 4,995 sqft
- Features: Cleared,Rear Yard,Downtown
Parking
- Parking features: Alley Access,On Street
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Strong Wind
- Cold Wave
- Hurricane
- Heat Wave
- Lightning
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Maryland Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,477 | $29,724 |
| Home Insurance * | $257 | $3,084 |
| Property Taxes | $810 | $9,720 |
| Electricity | $372 | $4,464 |
| Total | $3,916 | $46,992 |
Income You'd Need if You Spent...
Maryland FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-17 | Listed for sale | $499,000 |
| 2025-01-31 | Sold | $425,000 |
| 2025-01-24 | Pending sale | $459,900 |
| 2024-12-20 | Contingent | $459,900 |
| 2024-09-06 | Price change | $459,900 |
| 2024-07-19 | Listed for sale | $479,950 |
| 2023-09-07 | Sold | $215,000 |
| 2023-06-29 | Pending sale | $199,900 |
| 2023-06-26 | Listed for sale | $199,900 |
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